Legal cover for car insurance - Buy separately?

[Deleted User]

TheAllanCadenhead wrote: »

I like to be as helpful as I can so here goes (this is help guys, don't take it personally, and I mean everything with good intensions)



Your car may only be worth £500 but if you're carrying £400 worth of xmas shopping in the boot and someone goes into you.. £30 is a small price to pay!



This is a common mis-conception. Legal cover, Personal Accident, Breakdown Cover, Any sort of additional extra for a cost is exactly like a life jacket - You will probably never EVER need it. But when you do it is so much help.

Legal protection covers for Uninsured losses and RECOVERS (keyword there) any losses. You can't MAKE money on this, nor can you claim for more than you have. It simply recovers any unnecassery costs like travel expensives, loss of earnings, etc. So it is deemed a complete rip-off if you enver have an accident. But if you do and you use it you'll be thankful.

I really hopes this helps.

But as I've pointed out the insurance companies seem to hike the cost up. £30 per policy when I can get a standalone to cover 3 card for £23 a year.

pool-hustler

is this legit???
http://www.freemotorlegal.co.uk/

dacouch

pool-hustler wrote: »

is this legit???
http://www.freemotorlegal.co.uk/

It's provided by either a firm of solicitors or a claims management company.

If you use their services you must use all of their applicable (To your accident) services eg hire car, personal injury and car repairs etc.

If you go through them you have no access to the Insurance Ombudsman if you're not happy with their settlement offer etc.

Some of these types of companies eg Albany are inept and take forever to settle claims. Some eg Drive Assist (Who are now in administration) string your repairs out for longer than needed so they can make more money from the very expensive hire car they provide.

pool-hustler

where have all Berts posts gone?

BertTheRaccoon

pool-hustler wrote: »

where have all Berts posts gone?

I notified the MSE team about my posts, as I was making posts in relation to a company I have an involvement with. I am awaiting a response from a different section of the admin team as to whether I am either able to post on behalf of a company or if I will be provided with a separate "company representative" ID to post under.

I can only assume they have decided to remove my posts in the meantime.

pool-hustler

oh ok. Are you owner of freemotorlegal.co.uk ?
I went to read it properly on a PC and it had gone

RGB_2

Why is there a lot of advertising / spam posts on these boards and then people making reference to them thus giving it more attention? I am a Moderator on an entirely different site (an MMO game) and I use vBulletin every day. It's quite easy for a Moderator to just remove offending posts/threads and the onslaught of comments thereafter, rather than a de-railed thread! (anyway, I digress and enter into the de-rail game!)

On topic, legal expenses is relatively useless. The value of it is really no more than 50p-£1 per year. To pay £30 is extortion. If you had this put on the policy without your knowledge at inception, you can have it taken off and refunded irrespective of them saying "well it was in the contract/documents etc.". The fact remains it was missold or not mentioned therefore you were not able to form your decision as to whether or not you wanted this, ergo should never have been in the documents sent to you. Look at the initial disclosure etc.

pool-hustler

I don't see what is wrong with this free insurance using no fee solicitors. I think this will do

Quentin

When in a position to be using no win no fee solicitors, you don't need to have had any insurance in place at all! Using this "free" insurance just ensures you are a captive client for the "free" insurer to sell on to his associated claim handling firm!

When you need a no win no fee solicitor, google cash back claim solicitors to find reputable firms who will pay you a commission (£100s) just for instructing them (thereby cutting out them having to pay the middle man "free" (or paid for) insurance's referral fee) on top of any compensation they win you.

pool-hustler

do you pay legal fee's Quentin?